Good job! These are alot of fun.

Ok here are a couple of suggestions.
I think they are balanced pretty well BUT I would change the states down just a little 1 or 2 points but make their moral VERY high so that they never run...skellitons have no fear.

The horses are too bright just need darkened a little.

I do not like the ghost but my son does..lol

The armor on the horsemen needs changed a little, not enough definition to tell it is chain mail. Maybe scale would look better?

The shield on the horseman is messed up I would post a pic but I am not sure how...I can e-mail you some screenies?

Mind you I am not complaining because it looks very cool, just some minor changes

Thanks,
Thomas